Chase Credit Cards Reviews

Furthermore, if you make your extra payments outside a 3-day window, *it is applied to your minimum payment*! So even if you try to make an additional payment to start hacking away at the higher interest balances, it won't work unless it's scheduled within 3 days of the payment due date! So I called back. I was told these were the only two options. I threatened to call the comptroller and was handed off to another agent. I was told I can set up additional payments individually every month for "at least 6 months, maybe more." I wanted to set it up for at least a year. Each monthly payment requires that you navigate to a new page, set up the terms and dates, check that you agree, etc etc but I agreed to do it, just to get it done.

While I was on the phone with the agent I scrolled through the pop-up calendar to see how far it went. I got as far as August 2011, satisfied I hung up. After scheduling 2 payments, I got a message that you can't set up payments more than 93 days in advance. I was only able to set up two payments. Isn't this exactly the sort of thing this new credit card law was supposed to eliminate? Chase makes it so hard to make headway on the higher interest balances! Every other credit card I have will allow me to set up a payment amount of my choosing, or at least a minimum + amount. This is ridiculous. While I make the minimum payment on my card, my higher interest balances are increasing, not decreasing.

He suggested I close my account. When I said I would rather not do that as it could impact my credit, he told me I could write a letter because there was nothing they could do. I have to say I really thought it was some kind of joke. What happened to customer service or treating long-term customers like they are valued? Ironically, since I pay the balance every month, the interest rate should not matter to me but it does--it is offensive to see 30%! Oh, excuse me, 29.24% on my statement. I'm not sure how but we, as consumers, really need to band together and seriously not take this anymore. I am still reeling from the call and am truly astonished that this is how companies are now conducting business.

This has hit my credit in a derogatory way. Having a bank "close" your account and mark it as "not paying as agreed" is damaging enough. When you are paying that credit card as agreed and they close the account and report it as not paying as agreed in just infuriating. The damage is real; however, they will need to take the time to make these accusations provable because I will not sit back and let them get away with it. This will be disputed and when the wash is cleaned, they will be the ones with a big old fat stain!

I communicated the issue and kept them updated. I made a payment transfer by phone on 5/4 for $454 and on 5/5 a 30 day late fee was posted. Payment due date 5/23 $679, Balance 6006.11 + 39 Fees = 155.01 interest to new balance 6,200. Paid 454 5/4. Called Chase for remediation credit and told it was posted 30 days ago, told them again about the medical hardship and told they cannot help. Told about the interest rate impossible to meet. I was told they could not help at this time. I am looking for a way to close my business with them. It's like watering the sinkhole.

Later that day, I received a call from Chase's customer service department stating that they could work out an arrangement for me by closing my account and entering me into the "Balance Liquidation Program" whereby I would have my interest rate lowered to 9.9%, incur no late fees and pay on my account each month. I agreed to do this and then lost my job. Needless to say, I called to tell them the $212 payment was too high since I had not found a job at this point but they said they could not change anything because I agreed on the phone to be in this program. This was all before I realized how much my unemployment would be and the other bills I struggled to pay including my COBRA. They refused to work with me.

In fact, I technically missed a payment with them and even though in my records I am caught up, they have harassed me every day with phone calls accusing me of being late and owing twice the amount. The thing that bothers me the most is the people calling me are all in India and they do not speak English that well and have gotten rather nasty on the phone. I want to know if there is some class action lawsuit about their collection practices. I am being contacted before my due date accusing me of not making my payments and being behind. I was told that the Balance Liquidation Program was totally different than the regular credit card services so that the collection department has nothing to do with the program I am enrolled in. I feel like not paying them anything because of their attitude. I am sure they have destroyed the credit that I have been slowly building up and correcting since my bankruptcy. They will not listen to any suggestions of lowering my monthly payment or changing the due date. Any suggestions on what can be done?

I am literally being harassed by phone calls every day from Chase accusing me of being late with my payments when my due date is the 10th of each month. I just got off the phone with Chase a short time ago. There is a huge lack of communication as well as courtesy in dealing with consumers. I do not think they are following the collection laws we have in effect in the United States. I was always under the impression that you could only receive so many calls in a day but Chase is relentless with phone calls every so many minutes. I actually had to block them at one point but now they have blocked their number so it comes up on my phone as "unavailable". I make my monthly payment, that's the clincher. I am not defaulting in paying them. They are still assessing me finance charges even though the account is "closed". They are using Gestapo methods in dealing with consumers and I don't think that should be legal.

Today, I received another bill, this time for the previous late fee, interest and a late fee and interest for the late fee that they were supposed to waive. I called them, and they say the notes said that the supervisor told me they were not waiving the late fee. Obviously another lie. When I told them what the supervisor told me last month that the fees would be waived, the person on the phone told me I was not telling the truth! What a bunch of idiots. Now they have lost me for a customer forever. Keep getting bills for late charges on late charges.Today, I cancelled all my Chase cards.

The loss of nearly $20,000 in available credit can devastate a FICO score when the credit used vs. available ratio is adjusted. That starts the vicious cycle of other creditors penalizing you for a dropping FICO score, which then let's Chase come back at you a third time to do some more cutting because of the snowballing effect of their original actions.

It's an incredibly serious problem because good credit can affect rates for insurance, loans, employment, and more. It also adds enormous stress onto consumers who are fighting to keep their heads above water with an economy that still has not improved for most in the middle class.

I've personally been able to mitigate the damage by promptly opening a $20k credit line with my credit union, which will hopefully protect my credit utilization ratio from a parade of "customer notifications" from my other creditors.

The all-important FICO scoring system must be reformed to not punish consumers for bank decisions to reduce their exposure with credit line reductions and account closures. Unlike many banks, who either received bailouts or simply charge ludicrous interest to feather their nests, many consumers cannot simply pay off their debt and walk away from the abuse. Instead, they face potentially years of confiscatory interest charges and penalties, damaged credit, and potentially devastating consequences from a poor FICO score when they need to buy a home or get a new job.

The credit card "reform" was so riddled in loopholes thanks to the banking lobby, it merely codifies another decade of rampant customer abuse by the likes of Chase. Our recourse has always been to simply close the account and walk away, but guess what -- that act hurts your FICO score too, because FICO more highly values long-standing accounts over newly opened ones.

The one lesson I have learned is to do all of my banking with credit unions and never do new business with the big national banks. I'll cut up the Chase cards, but as long as they do not charge an annual fee, I'll keep the accounts open, until they inevitably close them for lack of use.

I believe that sending a statement which shows a balance due as one amount and then claiming failure to pay in full because that balance due conceals the amount of interest claimed by the bank constitutes a deceptive trade practice. How can I guess the true balance due if the bank sends a false bill and then claims a failure to pay some concealed amount?

I have better than a good score (until they get my new credit line from Chase now) which will be at good again because of them. I don't know what is happening to the US but we have issues and I mean big ones. When you start taking advantage of your good customers and hurting them and their credit scores (which we all know affects everything from the insurance we get to the rates in mortgages) it is time to take a stance. Someone said don't close the cards because it will hurt your credit score. I wonder if they are taking into account that our credit scores are suffering as it is.

I remember not more than a year ago, I had excellent credit and now just a little above good. Ridiculous and I can't believe the American public just sits around and doesn't do anything about it. Maybe if more people closed their accounts with places like Chase and BOA we wouldn't have the issue of being taken advantage of. When I told the customer service representative I wanted to close my account before they did, she said that so long as I was using it and carried a balance on it that they wouldn't close it. Yea right! I told her that I read what is being said on a Consumer Complaint Board and I am not willing to take that chance. I am all for making my own mind up when things are going to change for me, so I closed it first and when they pick up my lowered Credit Line that I am about to get zinged on, they can go on ahead and pick up that I, the customer, closed the account and not them.

As much as it pains me to say this, it's not saying much to call myself an American citizen anymore. I am embarrassed by the garbage I see going on and how these big companies are allowed to take advantage. Sad day in the US and I don't see it getting better anytime soon. Just my two cents that in this economy amounts now to only one cents worth..sheesh! As a result of lowering my credit line again they keep causing issues with my credit score.

Recently, another Chase credit card with a $4,500 credit line was cut without notice to only $500 because I keep it at zero owed. This again damages excellent credit. These people operate like (and for all I know they are) mafia or other underworld loan sharks and misfits. I think every Representative in Government who doesn't attack them on our behalf should be publicly noted and then voted out of office forever. Damaging an excellent credit report when the bureau report that the lender eliminated of lowered the credit line. This can create a domino effect which a person with excellent credit then gets damaged and pays much more for any credit used via other sources.

What's worse is that now our Credit Card and banking is via Chase. I'm planning on actively changing that and moving to a more customer friendly environment. There's no incentive to do business with them. Oh, and the interest fees are outrageous! By accident, we underpaid the full balance by a small amount and now I found out we will get charged for 2 months interest on the total outstanding balance. They said that all banks do this. Well, if they do, what do I have to lose if they don't value Customer Loyalty? Over this next year, I am actively looking to transition banking and credit card business to another institution.

So I called and, after some 40 minutes and being talked down to about my managing my finances, I was told nothing could be done about it. I even asked them to lower my credit limit to remaining balance. They refused. Note that I do not question Chase's right to charge whatever APR they choose. What I cannot understand is why I am being penalized with monthly interest charges that do not square with Chase's own 23.24% APR (variable). Again, I have never gone over the limit. I have neither I even used the card to make new purchases nor have I taken out cash advances. All this is happening at a time when interest rates of all kinds have remained low or unchanged.

What are my options? Stop paying, wait until they send my account to the collection agency, and then negotiate with the collection agency for better deal? At this point, I do not really care about my credit rating which is good-excellent. I just want to get out of debt in a fair and reasonable manner.

Time involved with applying, getting new card and then also getting a secondary card with another company so that it will not affect my credit scores.

Today, I experienced what many consumers have complained about. I had a balance on my account and my due date was 4/19/10. On 4/8/10, I paid my account off in full. Today I received my new statement and Chase is charging me "interest" of $12.37. I looked at the date of the interest being charged and it is 4/22/10, exactly ten (10) business days after I have paid my account in full and three (3) days "after" my due date. I immediately called Chase to ask how they can charge me interest when I have paid my account in full and prior to the due date. Chloe, the customer service representative started telling me about the daily periodic rate. Because I was so angered, I told her that I want a supervisor. I then spoke to Kim (male) and he is telling me the same thing. I told him that they are money hungry and are ripping their customers off by conducting business in this manner and told him that I refuse to pay. This is "shady" business practices. I told him I understand charging interest on remaining balances "after" the due date, but not when the balance has been paid in full and "prior" to the due date. I also stated that Chase is the only credit card company that I have that does this. I have four (4) other credit card accounts and none of them charge interest if the account is paid in full prior to the due date. I have never been charged interest after I have paid the balance off, only Chase is doing this.

I read the reviews of other customers with Chase and their dissatisfaction with Chase also. One customer has filed a complaint on Chase and others have closed/closing their account(s). I am also filing a complaint against JP Morgan Chase. I am a Christian woman and I know that God will handle situations in his own time. All things done in the dark will eventually come to light. Chase can continue to do a disservice to consumers, but eventually, you will reap what you sow (tenfold). You need to be careful how you treat people. Neither Chloe nor Kim were willing to remove the charge or cared about keeping me as a valued customer. Money is the root of all evil and that's all that companies care about (is the mighty dollar and not people). I really don't want to pay the interest because I know it's not right, but they get over because if you refuse to pay, the consumer loses because it will go against your credit. But that's okay because what goes around, comes around sooner or later and every dog has his day, all in God's time.

I received a phone call from a Chase representative on 04/08/10, who informed me that my account was past due in the amount of $108.69. I asked how I could be past due if I paid the account off in full before the payment due date. She informed me that there were finance charges of $91.52 and a late fee of $15.00 on the balance I had already paid off.

I disputed the charges but she insisted that I owed them. So I agreed to pay the $108.69 via phone with her assurance I would not be charged any more fees. On 4/28, I received a notice that my statement was available for viewing. So I logged in and lo and behold, I have been charged $1.50 in interest charges. I phoned Chase and informed them that on 4/8/10, I was told I would have no further charges on my account. The representative was extremely rude and told me that it was because I didn't pay the past due amount before the cut-off date and that she would waive the charge as a courtesy.

What happened to the first courtesy? I have been under tremendous stress during this financial difficulty and was struggling to pay my bills. I make a good faith settlement offer but they refused to accept it and continued to charge me interest even after I paid the account off. I believe they are abusing the Fair Credit Acts by charging bogus fees and interest.

Chase lies and lies. I refuse to believe that they cannot review my account for another 6 months. What? Is there a 10 month total wait time? I previously worked for a credit card company and I know full well that that is not true. You know what you do? You go into a program that looks a lot like DOS and you change the APR. That is so hard. It's a good thing they spend so much time training these people. Ha! Consequences, well, for me, anger for them? Well, I'm prepared to find phone numbers of everyone in their corporate headquarters and I've been meaning to take a road trip. I may just show up at their door.

Most of my accounts were transferred from WaMu and Bank One to them. I would have never been a Chase customer if my accounts weren't transferred. This is what I get for being a very good customer, nothing in return. I have a decent credit score, but now Chase will ruin it by lowering all my credit line to right about my balances. This will be hardship to me and my family. I have worked so hard to keep my credit score decent just to have Chase destroy me.

To my surprise and without any notice, I was stranded without any credit line on both my cards and was left with a credit line on both cards with barely enough to charge a lunch or pay for gas on the trip, which would have resulted in over the limit fees. Chase screwed me big time. Here I was with $13k in credit with them, never paid late, always paid down my cards fast and hard, with a credit score of 747 and Chase totally screwed me over. Today I closed both cards and decided they should continue to fall with the recession and hopefully others will follow suit in damaging this company financially. Shame on Chase!

Upon my call being answered, the representative acted annoyed at the fact that I was even calling. Once I politely asked if it were possible to have my account reviewed and my interest reduced, their representative’s answer was simply, "No" followed by a long pause, which I assumed was him preparing an answer, wrong. When I requested an explanation I was simply told that, "We no longer lower interest rates." So, what I have gathered from my wonderful interactions is that Chase is now only out to take as much money as they can, with no regard to what customers request or want from them as a banking organization.

I let them know. I'm not interested in going through their credit counseling agency to lower my interest on only one credit card account. I paid all of my other accounts. First, this would ruin my credit by closing all my credit cards just because of Chase. Second, they want me to go through their agency because I'm sure, just like many other CCA's, they would charge me a fee. The money goes right back to Chase so they do not have much to lose. Since I did not accept their terms and looked for an alternative, a week later, I received a letter from Chase stating they closed my account!

How convenient. They locked me in at a 29.99% interest rate and they also made a negative impact on my credit report by ‘closed account by grantor’. Not Good! I am filing a complaint with the Controller of Currency since this is a federal bank. This is the correct way of filing a complaint against big banks like Chase who continually take advantage of systems that work to their interest. If many of us share our frustrations concerning Chase, there just might be something the Government can do about it!

I asked for my account to be reviewed along with recorded phone conversations (as I was told before each conversation). Then they told me that I didn't pay the settlement before a certain due date. They were provided with my bank account number and routing number because they had to deduct the payment themselves. When I was scheduling the payment and date, I was not told anything about this. I'm not sure what I can do at this point. I refuse to pay considering such a lie on their end. Help!

I am a full-time student, and my husband works full-time. It is very difficult as it is, but the bill could be paid. However, because Chase has continued this bad business practice, it has made our lives miserable. I am constantly hearing the phone ring at night while I am trying to study. There has been reps who call well past the time of 9pm, and they have done this twice now. That is very upsetting. I get phone calls from this company seven times a day. Not only that, there are three different numbers that are used from the same company to trick us into thinking it is someone else but it is the same company. That is false and very misleading.

3) or threaten legal action.

I told them now the economy is getting better, I wanted to purchase a new HD LCD TV. Not now, and these bad companies hurt the economy by hogging credit. Nowhere does it say in the "terms of agreement" that I must have a minimum usage per time period defined somehow. This lost of line of credit affects your overall credit score. Quite the *** criminals they are. I wish I had a lawyer to sue them for breach of contract. Valued customer for over 13 years... Yeah right. They are dirty thieves.

They say I can write to Deborah - 2500 Westfield Drive, Elgin, IL 60124, but they said, "Don't expect to get a different answer." I am going to write to her today and I still can't believe Chase has turned into this type of company. If they will not work with me, I'm gonna pay off as soon as I can and never take a Chase Card again. Ten years and great credit. I'm also going to warn as many people as possible. There are a couple thousand in my company alone and I'm going to post a notice on our intranet bulletin board as soon as possible. Let's hope Deborah has a better answer, if she even exists and if the address they gave me is legit.

Even though I have a perfect payment history for over 10 years and have been a great customer, Chase states that they cannot lower my APR. I asked them to close the account immediately, and the customer service rep could have cared less.

Punish the customers who do not pay their bills on time, but do not punish the good customers who do pay their bills on time. Chase has just forever lost my business and respect.

I put a check in the mail today for the $1.68 and I told Margaret ** if I heard from Chase Bank again, I would report them to the Better Business Bureau. This is just a small part of what I have been going through with Chase Bank. I don't trust anything they tell me because I have heard nothing but lies. I have names and dates of transactions dating back to March 2nd. I think Chase Bank and other banks are trying to bilk the American people out of every little bit they can get through their deceptiveness. The economic damage that has resulted is that I have paid Chase Bank $79.68 in interest and late fees which they have unethically stolen from me.

I still have a couple of credit cards from different bank. I really need a credit card for Continental Airline from Chase. This happened to my brother and my wife too. And both have very good credit score around 800 too.

Chase claims they "value" me as a customer and that they want me to be "completely satisfied" with my credit card. These claims are nothing more than lies. Chase is not interested in the customer, only the bottom line. They use unfair business practices and I refuse to pay this late fee I didn't earn. They need to write it off since

(2) did not notify me of an outstanding balance until after a late fee was incurred.

I can't imagine not having put the full account number down like they say. I didn't, because I do it all the time, to make online payments, using more than $70 fees and penalties for nothing, just so Chase could make extra dollars on what looks like a simple typo. It's unbelievable. The error was probably verified earlier, if it was an error on my part, but I don't think it was. I entered the proper routing number for the online transfer, and I should have entered and double, triple, checked the account number. There was over 15 days that Chase could have double checked, and sent me notice I had entered an "invalid account", or were they responsible for my account number being wrong?

All of a sudden, in December, 2009, I received a notice on each card drastically dropping the limit to just a couple of hundred above my current limit. The form letter ridiculously states that my balances are too high as compared to my credit limits. At the time (because they kept increasing my limits) my balances were several thousand dollars lower than the limits. I continued to pay (well in excess of the minimum) and now, in April 2010, I get 4 more letters, again lowering my limits. I get it Chase, you do not want to do business with me. I own my own home, have an excellent job and did have excellent credit until your antics have brought me more into the fair range. I am confused and annoyed.

I have never been late and occasionally used it, but not for about 1 year. I always paid on time and used it responsibly exactly as it was intended, as overdraft protection. I had this account for almost 10 years and now my FICO score will go down. They lowered 1 credit card from $5000 limit to $2500, and my $3000 limit on down to $2400 and canceled my $1000 line of credit. They said it was because of my credit report, however, my credit report is nearly spotless and nothing negative has been reported in at least 5 years. I am completely appalled at the way Chase has treated me. I absolutely can't stand them and they're doing exactly what AmEx did to people 2 years ago.

Seriously, you have to confiscate $4100 worth of credit from someone that has $9000 worth of credit from you? Isn't there anyone else you can attack? I will never do business with Chase after this. And get this, they have the audacity to send me letters, emails and phone calls asking me to open a new line of overdraft credit after this happens. Are you serious? You've got to be kidding me. Stick it where the sun doesn't shine Chase, you are doing everything wrong at this point and I will go out of my way in the future to avoid and ignore you from now on. I will never do business with you again.

I made every payment as agreed to on time even through hurricane Ike which did $20,000 damage to my home. Look at the history. I called your customer support center and was transferred several times to the wrong places until I reached a manager. She indicated that she would not make an adjustment to the account. She said I had to file a formal complaint. Well, here we are.

I have been a member of Chase since 1983. In this case, I paid the amount that Chase said I needed to make to satisfactorily conclude the promotional Health Advantage Zero Percent agreement with my last payment being on April 10th, 2010. I contacted Natural Wellness Resources to state that at no time did I accept a 14 day trial and if I did then what was I getting for the $142.37 since the only product I received was the original sample. The settlement representative stated I owed this and they would settle for fifty cents on the dollar. I declined and they stated it would be given to a collection agency and impact my credit score.

Today, April 18, 2010, I received 11 calls registered on my caller ID, we were out for awhile but while home, I would answer, they would ask for me then hang up. I demanded to speak to a supervisor and the person I was speaking to put me on hold and came back and represented she was a supervisor. I called the Chase customer service and spoke to someone there and they claim I did not pay my April bill, I told them I never received one, I can not pay what I do not receive. This is not the first time, I did not receive a bill and the next months bill would have a $39.00 Fees Charge. Just another way Chase has figured out to screw the public, then they harass you for money.

When they cancelled my card they did not tell me, I had some automatic payment accounts which I suffered late charges and negative reporting on my credit report, Chase's actions with the skipped statement trick has caused them to file negative reports to the credit reporting companies and there multiple harassing calls.

I called them and as you can figure, I get a person from India who I can barely understand. So I called back 4 more times and each time I get a poor English speaking person from India, whom I absolutely do not trust since most of the scams are from India, and hung up again. As of ten minutes ago, I have taken all my Chase credit cards and paid the balance on all of them, total $28,000 on 8 cards and shredded the cards. I am done with this and the tactics they are using.

I wound up talking with a Zack ** who told me that customers are not allowed to cancel in writing. When I pressed him on it, he asked what made me think that the contract allowed written cancellations? He said all cancellations had to be oral, and they had no record of either my oral cancellation or my written cancellation. So there you have it: What makes you think that credit card contracts allow written cancellations of accounts? And people wonder why we have government regulation.

The 1st and 2nd month, payments were being withdrawn, then I received a letter stating that I was no longer on the program, however; the next 4 months they continued to withdraw the payments. When I looked at all statements from the beginning. They never bothered to reduce my interest rate and charged me a 29.99 rate! Now they are expecting me to pay the accumulated interest. My husband works for the State of California. His wages were cut 15%.

This treatment is outlandish, degrading, insulting and poor business. I contacted Chase and they have nothing to say! No offers to keep me as a loyal customer! So I have paid off Chase in full and will never ever do business with Chase again! Chase just lost money from a excellent account. I have done nothing to deserve this degrading treatment and attack on my credit!

I need credit cards for my business travels, making reservations, paying for the funeral of my grandmother and this has now caused a tremendous mental and financial hardship.

They verified with Equifax that the "revolving" accounts are indeed 2nd mortgages on properties, but that they would not re-instate my credit lines. The 30K card had no balance, told them to close it now. I’m thinking about cancelling the Southwest Visa card if there is another airline card I can put in place instead. These people are idiots if they don't look at Fico scores and payment history. I had used the 30K card to take my parents to Hawaii last year, and paid it off this year. Obviously can't use that card again for anything like that with a limit now of $2,500. Been in mortgage and finance for over 25 years now, never late on anything. Ridiculous, for the consumer and their business. I will not deal with Chase again.

A week later, they leave a message that they are returning my call. I never asked them to return the call but I called to inquire anyways. Chase said that if I would like they were willing to reverse the credit limit back to $7000. I know most have not had that kind of experience with Chase. I told them it wouldn't be necessary to reverse my credit line. I still plan to close all three accounts and use my bank's credit card instead. Hopefully, someone at Chase will realize it wasn't a well thought out plan. If you do someone decent wrong, you lose their business.

I think Chase needed to re-think things. I closed my account even though I know it will hurt my credit. It's the principle of the matter.

On Tues. April 13, 2010, Chase called again. They spoke to my child about her mom and she tried to tell them that Patsy had passed away. The person on the other end told my child that her mom needs to pay her bill or that they will take action against her. Well, this got my daughter very upset and she started crying. I learned this today and was not happy about it while I am being told of what happened last night. Guess who's calling. Chase. Patsy's mom just hung the phone up. She tells me everything that was said and done with all the calls and I took action. I personally called the number and told the service rep that I did not want to talk with her that I wanted to talk with a supervisor. She asked why. I told her that I am tired of them calling and asking for Patsy and that they had no right to talk to my child about business. The lady was very rude, said that they would not call if we pay our bills. I demanded that I talk with someone other than her. I got transferred to another rep. I told her about what has happened.

She said that they were trying to collect on a debt that is owed to them. Again, I told her that Patsy had passed away and that I will be handling her account from this point on. I also told her that it was not nice for a rep to call and give my child the third degree about her mother. I asked for them to not call her anymore. To me, they are harassing my children and Patsy's mom. I want to make them pay for causing my daughter to cry all night over this. What Chase does not understand is that this 15-year old girl just lost her mom and they should not have even talked to her about the account.

Chase will pay for making my child's life even more difficult. Chase seems to not care what they say or what they do. Well, let's see if they care about losing a few million for what they have done to this family. I am an upset dad and when I set my mind to something well, it is on. So Chase do not look over your shoulder because I will be in front of you looking you down with an attorney by my side asking you, is it worth it to make my kids upset? Is it worth it to make Patsy's mom upset? And is it worth it to get me going? You, Chase, have no right to cause so much more pain for this family. Trust me, Chase will pay for this.

After speaking with this woman, who basically sounded like a robot that was trained by Chase Visa to say exactly what they wanted, I asked for her supervisor. She said, "my supervisor is only going to agree with me, why do you want her?". I told this lady I would not be making another payment on my credit card, which prompted a serious of threats by her stating that it would screw up my credit report and be listed where I would never get credit again. I was told they would make my life miserable and make sure I could never obtain credit again. Of course, my response to her was a laugh since I have over 50 accounts in excellent standings, whereas I would simply add a dispute to their listing on my credit report. On the same day, I called and left a message for Stacey **, but as of this letter, of course I have received no response.

In a few weeks, I will be paying this account off in full and have already told this company to close my account for I feel they are thieves and deceived me and am sure they are and will continue to rob the American public by these strong-arming practices. I am utilizing my legal rights and posting this letter to every internet board, chat site, posting boards, as well as my own site that draws over 5000 hits a year. I am beginning a complaint to the Better Business Bureau, as well as reporting this company to the Federal Trade Commission. I have considered placing monthly payments into an escrow account and letting the courts decide whether this is fair practice or not, and may still do this. In my opinion, I would check into this company's disgraceful practice and avoid dealing with their customer service at any costs.

During the call, I asked if they might be able to raise my limit since the card only had $1,600 available. They lowered my limit by my exact payment amount of $1,100 about four months ago. The customer service agent on the phone was extremely rude and I felt that I was in the middle of an inquisition. She made several remarks about how I am irresponsible with my use of credit and that they are concerned. She said that she'd never authorize a credit increase to a customer with my poor financial management habits.

Needless to say, I was blown away by how nasty and rude she was over a simple inquiry. Incidentally, I have 5 cards with very low limits so it doesn't take much for the balance to limit ratio to be high. I moved into an apartment about 2 months ago and made several furniture purchases and planned to pay the cards off over the next 4 or 5 months.

I called the customer service line back, later that same day and asked to speak to a supervisor. I reported how nasty the person was and that I was not at all happy with my experience. I find it very interesting that two weeks after this, they "elect" not to renew my account. I will never do business with them again.

The next thing I know, they lowered my credit limit so I began to pay them off quickly as I cannot stand them and now, they have lowered it again saying that I barely use it. Is this the way they should treat me when I have been nothing but a great paying customer. I paid them off today and will never use their crappy card again. I hope they get what's coming to them. The way they treat their good customers is terrible.

I then stupidly used the card again for a $72 purchase and immediately I got a bill for $101. Aside from the purchase, an interest fee was charged at a rate of 13.15% on a balance of $2822.02. I called customer service. They dictated to me that they could and did add this interest fee. I went to my local Chase bank branch and discussed this with the manager, paid the purchase amount, closed the accounts. He took my payment for the purchase. He called customer service and repeated what they had dictated to me earlier, that they can and they did charge this interest.

I get the runaround when I try to initiate a dispute. I always end up with the customer service dictators. There isn't a democratic pathway for resolution or reason. This is bad because I have stated that I am not going to pay the $28.47 because I think it's robbery. I am sure that this little group hopes that I don't pay this because then they can give my excellent credit rating a black eye and charge more late fees. I have experienced repeated frustration and humiliation over this. I feel that Chase has no respect for me and is really groping to prolong a relationship of fees, fines and charges.

This brings me to my complaint. Today, I went to get my car out of the shop, so I could travel for business and handed the man my card. He told me it was denied twice, so I wondered what was wrong. I rushed home to call the card company, on the way in, I got the mail and in there was a letter from Chase business cad. I open it and to my surprise they had lowered my credit limit from 38000 to 1500 that barely covered the balance. With that kind of limit, I can't even go out of town for business. So they dropped my limit by 96 percent. That is not even funny. How is a business supposed to do any thing. It is not just them, all credit card companies are lowering limits to just above the balances and destroying people's credit scores. We have been good about paying bills on time but they think I am a high credit risk.

I can not do business, they are making it impossible to get any kind of loans when they are destroying my credit scores. I worked for 20 years to build a respectable credit score and now that is gone. They can go to the fed and borrow money anytime they need and that is my tax money they are borrowing but I don't have the right to tell them, "No, they are a credit risk."

Somebody has to stand up and fight this outrageous. I do not have a leg to stand on. I was proud to be an American but when our own citizens do this to us, it makes me sick to my stomach to see what this country is headed for (collapse of our financial system as we know it, freedom of choice).

But oh well, I have an American Express and a Citibank cards with limits that total about $20,000 put together. I will cancel both Chase cards, regardless of the affects it will have on my credit score. I will not stay with a company that treats its best customers like this.

It also incurs a penalty charge if the higher minimum is not paid. I did not get anywhere with them until I threatened legal action. My minimum payment is outrageous and they continually charge my account at the increased 29.99% interest rate versus my prior rate of 13%.

I have always paid in full the amount each month and never been late on the account and this is the way that they reward us, taxpayers, for bailing these companies. I have also a mortgage with them that was with WAMU, which I've never been late on. I have in my home for 13 years and although my home value has declined, I continued to pay because I feel that is the moral thing. Yet, I am so sick of these companies who got bailed out getting rich off us. What's worse is that we keep taking it and the government is not helping either. They should have let all the banks fail! My credit scores dropped because of Chase reduced my credit limit without warnings.

Like everyone else, my FICO was in the 800's and I never carry a balance. The Chase card was my secondary card for emergency purposes and therefore had little usage. Based on things I have seen on the internet, I was expecting Chase to alter my limit but not that drastic of a reduction. The real insult is that it was done with no advance warning and in the middle of a billing period. Had I used the card for a large purchase that went over the $500, the letter told me that I would have 45 days to reduce it below the new limit. This is morally and ethically irresponsible of Chase. I would have expected an advance notice at a bare minimum. Canceling the card isn't going to affect my credit anymore than only having a $500 limit, so I will be doing that as soon as I make my final payment.

As I read through the other complaints on the the website, the number of former WaMu card holders, who had their limits dropped was noticeable. Is this perhaps a targeted action against cardholders acquired by Chase to get them to drop their cards? I haven't seen if there is a decrease in my FICO score yet. As I was getting ready to purchase 2 new vehicles, I am concerned that this could have consequences on my interest rates on these purchases.

This is a huge conflict of interest and smacks of "predatory lending" practices. These loan sharks are able to manipulate our credit scores at any time in order to line their pockets with cash. Further, these tactics force consumers to stay with dubious lenders because they can't successfully shop around for alternatives once their score has been reduced.

I hope the government wises up, stops bailing these ******** out and regulates the hell out of these morons. Maybe their shareholders will lose money as a result of eliminating their customer base and the executives' next bonus package will include a pink slip!

It is my understanding that an old debit card number was used. I thought when banks supplied new cards, the old ones were supposed to be discontinued. So why wasn't this done at the bank level? The customer service person, however, was extremely fast and efficient in attempting to remedy the fraudulent charge.

Also, during contact with Chase "Customer Care Center" to question the changes, I also pointed out an error of fact in their letter to me about my credit usage, pointing out to them that I had recently utilized this card to make $6500 single purchase (well above the new limit of just $500). I further protested, politely, that as a practical matter, I can hardly purchase an airline ticket for my wife and my self this summer with just a $500 limit on the card.

Despite this fact and in disregard to my stellar repayment history (and my FICO score in the 750 range), Chase Customer Care remained intransigent. They refused to restore my credit line and refused to assign an interest rate that is in tune with other banks (other banks, which by the wway, are exposed to the same "market conditions" as Chase) which do not impose a grossly excessive credit card interest rate on responsible customers as Chase has suddenly imposed.

My ability to purchase simple airline tickets for a summer vacation for my wife and my self have been stifled. If I do not pay a Chase balance in full each month, I will be penalized with a disproportionate, usurious interest rate. If I close the account, my credit rating will be impaired for elective closure of the Chase account. My self esteem will diminish, and my bones will tremble with apprehension if I keep the account active, for fear of that draconian 29.95% interest.

Consumer abuse and the accompanying psychological distress, either way. This action by Chase was clearly unwarranted by anything I, as a consumer, have done or not done. It appears to be an orchestrated effort to shake off customers, so to regain control of underwriting capital. Whatever the reason, it is the height of customer abuse. Where are the regulators? Where is our government? Didn't they (Chase) take bail-out money then reward execs with mega bonuses? What about Joe Consumer? Please help!

One of the former WAMU cards is a personal business card. The balance is always paid in full each month, but the high limit is necessary to purchase office supplies. Also, the $7,000 reduction has drastically reduced my total available credit and hurt my credit score. I can only hope it won't hurt my attempt to purchase a home.

This weekend, I received a letter from Chase stating they lowered the limit to $500 as they felt this limit was "more closely aligned with the way I use the account". I called and asked what information they used to determine a $500 limit would be adequate when all my previous activity was well in the thousands of dollars. All they would comment on was the fact that the account had not been used in 12 months. I requested my $8,000 limit be reinstated and was told I could apply for a credit line increase to $1,000. The person I was speaking with stated other people wanted credit cards and Chase could make money by opening new accounts, but not by holding funds for a card member who uses their account infrequently.

I mentioned we have a mortgage, home equity line and my husband has a Chase Master Card. I asked, "is this how Chase treats repeat and long-standing customers?". Her only reply was "sorry, you are upset". I asked if Chase considered the fact that they were playing havoc with members' credit scores? I was told "no one pays attention to credit scores, companies only look to see if you pay your bills on time". I do hope they were recording that conversation!

I was then asked if I planned to use the card "soon". I could not commit to how soon I would use it and was told my line of credit could not be increased. I explained that I was not asking for an increase, I just wanted the change reversed. I was then told "I'm sorry, we are unable to do that at this time. " I pointed out that I was a WAMU customer before Chase took over and I was never given a Chase card, so my purchases could not be made where the physical card was needed. Again, I was asked "Do you plan to use the card soon"? I asked to cancel my account.

I admit, I used this Chase credit card infrequently, probably a handful of times a year. I am not a responsible consumer and try to avoid debt I cannot pay off. However, having a decent credit line gave me an extreme peace of mind if I were to have an emergency. I no longer have that peace of mind. I never received a new card with Chase's name and I never received my last statement. They decided to reduce my credit line and affect my credit score on a whim. I realize that my credit score may also be adversely affected by my cancellation but I feel an extreme distrust for this company.

So, I filed for unemployment again, per the TWC website. I should be looking for a plain envelope from Chase Bank with my debit card. I kept waiting for my debit card from Chase Bank as the TWC website says should arrive by March 30. Then today, I finally get someone on the phone at Chase, who informs me that the money was loaded on the card from 2007 - What! Why would you load it there? - I don't even have the card anymore. I told the rep, no problem he says we'll cancel it and issue a new card to arrive in 10 days. Sorry, I say, that is not acceptable - I have been waiting benefits for a month already and need the card now.

Can I go pick it up at a branch? No he says, but for $17.50 he can send it overnight to me. So, I choke that down and say okay, and inquire what is the balance on the card? I am already aware through the TWC website that I should have 2 weeks pay, he informs me $71.00 - $17.50 overnight fee. I admit I lost my cool - what - where did 2 weeks pay go when I have not even gotten the card yet? He then informs me that they (Chase bank) took back a $400.00 debit owed on the old card in 2007.

1.It is a prepaid reloadable card - how can you debit more than what is on the card?; 2.Why is this the first time I am being informed that there was a problem 3 years ago, when I have been a customer of theirs all this time?; 3.They tell me they can not view the records from 2007 to offer me any explanation, but they can take $400.00 from me today. They can not explain how they allowed a prepaid debit card to be hit for more than the money that is loaded on it.

But in 10-14 days they'll send me an account statement from 2007.; 4.The manager, that I demanded get on the phone with me, said I really had no choice and could do nothing about it anyway.; 5.I told her, to then cancel overnighting me a debit card with $50 buck on it and she said too late, and has already taken the $17.50 for overnight services (all of this in about an hours time)

So, now I have not been paid since March 8th. It has been a month of waiting for a debit card to arrive only to find they have taken $400 dollars away from me that I was never informed was owed, and now I have to pay my mortgage, and can't. I am also so upset by this whole matter that I can barely see straight. I don't steal from people and I always try to do the right thing and not hurt others, but I can not accept this offense to be perpetrated against me with out some fight.

I want fair treatment, and I want my $400.00 back from Chase Bank. They have taken enough from me over the years with raised rates, hidden fees, ATM charges - those we only complain about to ourselves, because they are small dollar amounts but if you think about over the many years of being a customer they add up - So I'll be darn if I roll over on this issue with out a fight!

I just received another statement from them April 2nd, showing I owe $14.44 in promotional and purchase interest. I called, was told it was interest leftover. I asked why I was sent a credit balance refund if I owed further interest. I was told because I requested to close the account. I did pay it, just to be done with them but now wondering if I will keep getting statements for further " interest charges". I thought it was illegal to charge residual interest now?

The supervisor I spoke with, Renee **, was one of the most arrogant people you could want to ever chat with. I asked her for someone else to re-review my account, and she said she wouldn't do it and she makes the final call. There is nobody else to turn to? I am going to write to several of the board of directors and let them know whats going on in their trenches.

I think asking for another review of my account would be considered "service," something I have paid Chase bank for. Please people, if you are considering opening a credit card with Chase, don't do it. There are better places to bank! I will keep my Chase account open and just continue to use it at the Dollar store once a month to charge $1 and pay it off before the billing cycle closes, just so I show activity on account to keep it open.

Chase hasn't made a penny off me in years (on either of my accounts) for finance charges, and they have raised my APR from 4% to 20%. I'm sure they are doing it just to be nasty as the credit card industry refers to anyone who doesn't carry a balance as a "deadbeat," because they aren't making any money off them. Stay away from Chase!

Last year they sent me a letter notifying me that a credit card I had with them with a $3600 limit was closed by them because, according to them, I didn't use the card. Well, just today I received another letter from Chase notifying me that another card that I had with them that had a $15,750 limit was reduced to $500 because again, according to them, I didn't use the card enough. This is beyond ridiculous. To just cancel cards and reduce credit limits to something not even worth having a card at all is the absolute worst business practice ever.

I will never use my remaining Chase card (ha, no doubt that will be canceled or reduced to some ridiculous amount) ever again. In fact, I will never use Chase for anything ever again, not a credit card, a car loan or a mortgage. They have lost a good decent customer forever. My credit score is tanking as a result of their unwarranted actions. I could have trouble getting loans or other credit cards in the future because of what they are doing to me. It is outrageous.

Chase is affecting the credit scores of good paying customers by taking this action. Due to the charge that I needed to go through, I asked them to go ahead and increase my limit. They did, but only by 500.00. I should have just let it go and canceled the account. The impact on my credit would have been about the same. This is terrible business practice and should be dealt with. Negative impact on credit history, humiliation from having a card declined, negative impact from having to run credit to re-increase limit to still less than original credit, which was previously increased for "excellent credit".

My Fico was 801 and I used credit cards for vacations, travel, car repairs, home improvements, big ticket items. Now I will never use them except to keep active, transfer all balances, tranfser IRA. The lower credit score, low credit limit will soon affect other credit card companies to follow as to thinking I'm not worth keeping as a customer as they have no idea why my credit limit was dropped so low.

I called these ** this morning, April 2, 2010. The first one wanted me to submit an application requesting a credit limit increase (submitting to a credit inquiry that would adversely impact my credit score). His supervisor said that I could write a letter requesting that the credit line be restored. And he also told that there was no one any higher than him that would answer the phone!

To make matters worse, after explaining to him the business that I am in and that I deal with credit every day. He insults me by talking down to me and trying to convince me that the credit line reduction won't impact my credit score at all. My correct credit score is 817. I realize that closing the account will have a little negative impact on that. But I have credit card accounts with USAA, Bank of America, and Wachovia with $20k limits. I don't need these ***holes for anything.

So I demanded that he close the account at that moment. He said he did. I requested a confirmation letter that states the account was closed at my request. We'll see if I get it. I doubt it.

I understand that account holders like me who pay their bill, don't carry a balance, pay more than the minimum and pay off monthly are considered deadbeats to the credit card industry. I only hope that more people will cancel like I did. Thousands of people can make a difference. I know my one little account means nothing to them. They no longer mean anything to me!

They told me I could close the account if I didn't like it. I'm not going to close the account because doing so would damage my credit rating even more than what Chase has already done. However, in order to keep my credit utilization proportion on the card at about five percent, while still keeping the card active, I will charge no more than $100 each month on it. So, instead of spending $6000 - $9600 per year with this card, from which Chase earns between 3 and 5 percent in merchant fees, I'll be spending $600 per year. I'll also be moving my direct deposit from the Chase checking account that I have had for the past 25 years to a credit union. Good move, Chase. You just throw an excellent, long time customer out the door.

They not only charged the interest on the difference between the two of $3,000, but on the $14,000 returned, calculating interest of $177.83 on a balance of $17,510.68 plus an "interest charge debit adjustment" penalty of $76.36 for a total of $254.19 interest on a returned check they are calling a "purchase." In other words, for my miscalculation mistake, I am paying a total of $293.19 extra! Plus, they have kept the minimum payment at $287.00, even though the balance is now only $3.348.29.

What they have done to me ought to be illegal! They also jacked up the rate from 0% to 13.24% because of one mistaken payment the previous month, on which they understood I paid the wrong credit card by mistake. I got the correct payment to them, but late. They supposedly waived the late fee for that, but they jacked up my rate instead, costing much more than the fee! It is robbery what they can get away with!

They should only be allowed to charge interest on the difference between the two balance transfer checks, not a balance larger than either check alone! Can you help me fight this? I cannot believe their greed, and it only makes it more difficult for me to pay them off, which I will do as soon as possible and never do business with them again. The leeches!

When I initially received this card, it was through WaMu and these jerk-offs took it over. Where are my rights? I just got off the phone with Chase and after speaking with the initial representative for about 5 minutes, and got nowhere, I asked for his manager, which is when Jeff, the account manager, got on the phone and after about 5 minutes with this "robot", I asked for his manager at which time Ron, the account supervisor, got on the phone. I demanded that my credit limit be put back where it was effective immediately or I would cancel the card. I was informed that they would have to do a credit check, once again effecting my hard earned credit score, and that he would not guarantee me anything.

It got to the point that through the fumes that were coming out of my ears, I realized that I was just speaking to "robots" and that there was nothing that this company was going to do or willing to do for me. So, as soon as I get done writing this email, I'm going to pay off the measly $2,000.00 balance that I carry, which by the way, I only carried so that this would not happen to me, and cancel this card. I hope that every other great, on-time paying consumer follows me and cancel their card. One of us might not make a difference, but if the thousands of us, that this happened to, band together it will make a difference!

They also said they were alarmed that I had a "sudden spike" on one of my other credit cards. I advised them that I pay off all of my credit cards every month. They asked me to fax them W-2's for both me and my wife for the last two years, our 401(k) statements, and our savings account statement. I checked with them the other day to see the status of their review, they advised me that they were still closing the account. Very frustrating seeing as how my wife and I are very credit worthy.

My total credit has been reduced by $5,500 and my FICO has been adversely affected. My wife and I are in the process of buying a house and this will definitely cost us more money with my lower FICO and make it more difficult to secure a loan.

My biggest fear is my credit score will be reduced because of this. When I spoke to someone about my credit line being reduced I was told that the new amount reflected my needs and Chase could then give the higher credit line to someone who would charge more than I do. I always thought my high credit line reflected being responsible. I don’t know if there will be an outcome. What I do know is I am highly offended that Chase would punish me for being a good customer and possibly ruin my credit. I do plan on cancelling my Chase card.

Today, they told me that if I don't close my account, Chase may arbitrarily revoke my account and close it and it's better if I close it. I have been a Chase Visa customer for over 20 years, have never missed or been late for a payment. The large balance is recent and I plan to pay it off in 6 months.

On April 1, 2010 when I accessed my account via the Chase website to pay my bill, I noticed that my credit limit had been reduced from $7000 to $500. When I called customer service to inquire why my account limits had been changed, I was advised that my balance had been reduced due to low usage. When I asked the representative what constituted low usage, he could not provide any explanation other than to repeat low usage.

I can only speculate that the real reason my limit was lowered is because I do not make a habit of carrying a balance limiting the amount of income for Chase to the two to three percent charged to merchants when I use my card.

I inquired what had prompted this and requested it be returned, as this would adversely affect my available credit which in turn would have a knock-on effect to my credit score. This is when they told me I could send a new letter to them advising them of my income and anything else they should consider and let them know what line of credit I would like to request. To this, I was dumbfounded, as they had just told they had reviewed the account and they have all that information.

Needless to say, I am paying off the small balance from this month and moving on. One other item this situation brought to light for me was that my interest rate had also been increased to +24%. Keep in mind that I have never carried a balance or been late with a payment with this account since I opened it with WaMu. It is somewhat comforting to view the comments from so many others on this board that have had similar experiences with Chase. I for one will not be using their services again. I will be pulling my credit report to determine the effect on my credit score.

Clearly, with $1,000 a month payments, I can afford to charge an $8,500 limit. Interestingly, Chase tells us how many months it would take us to pay off the balance if we used monthly payments and how much interest we would pay if we did that. However, it would seem they don't want conscientious people with good FICO scores who pay their bill in full each month. So, what do they want? Also, I only have $1,300 available on my $2,300 line despite the fact that I've only charged a little over $200 this month.

I counted on the $8,500 line of credit for emergencies which I now don't have. This has caused adverse effect on my FICO score without cause and adverse effect on attempts to obtain other credit since the reduction in credit line came from Chase.

What annoys me is that I have never made a late payment, come close to my credit limit, etc. But this is how they choose to treat their customers with excellent payment/account maintenance history. Well forget them! I am heated and do not deserve this. They have no valid reason for doing it. This reduction could impact my credit score and that's not fair. I hope they go under!

I called Finnair to get them to key in the information manually, but my card was still denied (booking attempt #2). I next called the credit card company and after confirming my identity, I was told that there was a security issue. I was put through to a security person who checked my record and said that the purchase was declined to protect me. This was irritating because I had called the company prior to leaving the US to avoid exactly this problem. The person told me that the card was now cleared. I asked that a note be put into my account with the time I would be away from the US, including the dates that I would be in Finland. I thanked the person and went to bed (it was after midnight in Taiwan).

The next morning, I re-entered the Finnair website and repurchased the same itinerary. I again received email confirmation of the action. Two days later, I again received an email telling me that my card was declined (booking attempt #3). That night, I again called the credit card customer service department and was again put through to security. I again explained what had happened and was put through to a security supervisor. He reconfirmed my identity with many questions and brought up my account. He said that it was obvious that I always paid off my account every month and that there should not have been a problem. He reconfirmed that notes in my account stated the days when I would be away from the US and promised that the security limit on the card would no longer create a problem. I went to bed.

The next morning, I re-entered the Finnair website and found out that my $885 ticket was now $1131, an increase of $250. I did not book immediately. What was the point? The price would not change again soon. That night, I wrote the beginning of this letter and I again called my credit card company, went through the security process and was put through to a security person who seemed to know nothing except to follow a list of questions as to whether I had in fact authorized the $885 transaction, the one that had been denied (three times), the one that I had been over and over the previous night with the security supervisor. I tried many times to ask about security policies, to complain about my treatment and to tell her about the letter I was writing, but all she would say was "I know, but did you authorize the transaction for $885?". I became angrier and angrier, and finally asked for her supervisor.

After a 4-5 minute wait, a young man came on the line whose job clearly was to calm me down. I stopped him in mid-sentence and told him I had written a letter to submit to public forums and asked him to listen. I read the letter. To his credit, he did listen without comment. Afterwards, he again told me how sorry he was that this had happened and that he would feel the same way if it were him. Do you think maybe he was a Psychology major or was this just managerial training? It would have been funny if I hadn't been so upset.

I told him I blamed the credit card company for this problem and started to say goodbye. He said he wanted to call the Finnair to find out what the problem was. I found the number for Finnair and the credit card security supervisor started a conference call. We were eventually put through to someone in the credit card department. She was able to bring up the attempted bookings using the booking reference numbers and said that she didn't know why the card had been denied, and that she had no way of finding error message or similar to determine the source of the problem.

She and the credit card employee said I should try now to book the ticket. I went online and put in all the information yet again. I confirmed the transaction and told the woman the booking reference number. She then tried to issue the ticket, successfully. She claimed that I may have keyed in something incorrectly when I was booking previously and claimed that my first booking was under a misspelling of my first name. But this would not explain three denials. I later opened all the confirmation and denial emails from Finnair and saw that all the non-secure information was correct. The only way the information could have been correct was if I had entered it correctly, so I don't know what the Finnair woman was looking at.

I thanked the Finnair woman and said goodbye, but asked the credit card security man to hold. I told him that I still thought the fault lay with the credit card company, that I have had transactions denied at least 6 times in the past while traveling despite contacting the company before leaving. I then told him that he had been very helpful, but that I was still writing the letter. As far as I'm concerned, I paid $250 because my credit card company was "protecting me".

So just last month, I carried a $3,000 balance, and I made a lump sum payment of that amount to rid my self of credit card debt. I thought I was in the clear, but was I wrong. That scheming bank Chase Manhattan charged me $30.00 interest for nothing, saying it was for a balance transfer.

When I called Chase and complained, they told me it was a balance transfer that I did back in 2004. That's 6 years ago. So I asked, "How do you charge someone $30.00 with a $0 dollar balance?" They tried to give me a spill about past balance interests and crap and that this will be my last payment for the interest. But I highly doubt it and will be awaiting the next statement when they charge me interest again, so I can call and complain again.

Next time, I'm just closing the account. Be careful with their fraud protection schemes as well. I will never do business with Chase again. This is the first time I think that closing a credit card account will actually raise my credit score. Beware and stay away from Chase. They are out to con you out of your hard-earned money.

He forwarded me to a dispute resolution specialist, who immediately said that this was an erroneous charge from Chase, associated with a promotion for a billing service which should have generated some $10 credits for some customers, but erroneously generated a $10 charge for me. She promised to send a letter explaining the error, and to remove the charge immediately. If I had not pursued this issue aggressively, at a cost in time worth far more than $10, it appears that Chase would have taken my $10. This is gross incompetence at best, and may be an attempt to take money from customers who do not protest aggressively.

A bunch of lies as far as I can see. It kills me that after all they say is, "Is there anything else I can help you with today, Ms. Kelly? Thank you for being a Chase customer, we appreciate your business."

On 3/20/2010, I transferred that balance to a lower interest card, I was checking my Chase credit card account on line on 30 March 2010, and saw that they had dropped my credit limit to 500.00, called them to ask how and why they did this, and the only explanation I got was, because you are not maximizing your card, I opened this account 5 years ago with WAMU. I have never had a late or missed payment, and always paid double the minimum payment. I told the foreigner who answered the call that I don't see how you all could intentionally ruin a person's credit worthiness by doing such a thing. She only said, "I understand your frustration" bull. Can something be done about this type of business practice? If so please let me know. Nothing yet, but I am afraid that this will lower my credit scores from 742.

I am struggling to keep a positive attitude, in spite of living with unbearable pain from multiple medical problems that include a struggle with depression. Chase Bank seems intent on driving me to commit suicide with their continued harassment. If I die this year, I would like them to be criminally charged with their contribution to my death.

This past month, I was out of town on the due date of 3/21/10 but paid the bill on 3/23/10 when I returned. I was charged a $39.00 late fee. I spoke to a friend over the weekend who works for an Attorney's office. They said the new consumer laws state I have 15 days after the due date to pay without being charged the $39.00 late fee.

I called them and complained. They said no, it was never fixed APR. I said if that's the case, how come in the last 7 years, this APR never changed when it was variable. They gave no answers. This month, they increased the same rate to fixed 17%. This was ridiculous. I called the customer service immediately. I got the same reply, "well, we cannot do anything to help you". I asked for a supervisor or manager, and they said, "we don't have one, tell me your problem". I have closed all 3 cards. There was no sense leaving it open. One was already paid in full. That leaves only 2. My credit has always been very good, I was never late on my payments, even with other credit cards.

Chase is the only company giving a hard time to their customers. Most of my friends used to say bad things about Chase, and now I am experiencing it. I think they enjoy giving hard times to their own people, in times of recession, which is very sad and shameful. Customer service people, instead of understanding our problems, are very rude to us.

Every time, their answer is, "we sent you a letter regarding increasing the APR, accept it or close it". Is this the solution to help your customer in this difficult period of time? It's been 5 months since I lost my job. I am a single parent, trying to survive with my kids . Because of Chase, my stress increased. I am trying to make at least minimum payments on time, but now, it seems that it would never end. They increased the rate on all my credit cards, so basically, I am only paying the interest. They have limited my credit line. I can not even use for my other daily needs. Eventually, I had to close all 3 cards.

Every person I have talked to at the 800 number says the same thing, "I am sorry, but I can not do anything for you. Can I help you with something else?" Are they reading from a script? We, the tax payers, have lent the banks billions and they cannot treat us as good upstanding people who deserve respect! I fear the America I believed in has forsaken its people. My wife and I are leaving on an airplane at 8:05 this morning for a 10-day house hunting trip to Kentucky. I will have to make different arrangement on types of payment since I no longer have a limit of $1700 on my Chase card. I’m sure my other credit card companies will not complain.

I called Chase to let them know what happened. The representative was extremely rude, treated me like a criminal, and told me that I would be assessed a late fee of $39.00 and that my APR would be increased. I was appalled by her behavior, and asked for a supervisor. The supervisor was just as rude, and offered me no sympathy. My next statement appeared with an APR of 29.99%. I called immediately to inquire. I got another supervisor on the phone. She told me with an attitude that I was in default of my agreement. There was nothing she could do. The seriousness of the fees and interest rates, along with the callousness of the representatives on the phone, proves to me that this company is corrupt.

Looking further into emails and complaints viewed online proves that this company intentionally defrauds customers and ruins credit ratings with no regard for the wrath they cause. This outrageous behavior by a major US Bank must be exposed, stopped, and penalized. Since this time, they have dropped my credit limits on all of my other accounts. I have a credit score of 701, I pay all bills on time. I have had three car loans with Chase, and paid them all off with not one late payment. I am president of two LLCs, own a home in Florida, and own and operate a limousine company here in NJ.

When I closed my account, I asked them if there would be any additional charges. After being transferred twice, a gentleman told me that I would be charged a residual interest fee! I would likely have never looked at the account again. Yesterday, about 35 days after closing my account, a $1 fee showed up on my balance. I will never use Chase again for any reason, and will strongly discourage anyone I know or talk to against it as well. Thank goodness I had some warning and knew to expect the charge!

I have had my first since 2000 and it has always been the only one that I use. I own 7 properties and I have constantly carried a balance due to repairs and upkeep, etc. I thought we had a good thing going. I have never, ever been late with a payment. Last week, I received a letter from Chase stating that one of my cards had been closed. I called them and they don't like my debt load anymore! I asked them if there were any other surprises for me. She stated that the other card I got in July of '09 now has a $500.00 limit. Fine! Like I said, I have never used them. My problem was the action that Chase took against me lowered my credit score.

A few days later, out of pure disgust for Chase, I called and closed that card, with the $500 limit, myself. That night, I got two separate letters in the mail from Chase. One about the lowering of one card to $500, and the other for the one card that I actually use stating that the limit was being lowered to almost the balance that I carry! None of the reps that I have been speaking with mentioned this even when I specifically asked about my other accounts!

Bottom line is that Chase doesn't care. They know that we are in a serious recession, but they are simply covering their own ass! During the depression, this is how JP Morgan got so rich to begin with by screwing all the small guys over. I'm just one person so they don't care. I will pay off that card as quick as I can and never, ever do business with Chase again. My credit will recover and I will move forward. Of course, I will spread the word. Thanks for reading!

When I contacted a CSR, they stated that even though my final payment was made on 03-06-10 before the due date of 03-15-10, I still accrued % on the balance and that I cannot dispute the % because it is a bank related fee and f I don't pay, it I will be charged a $33 late fee. I think what these credit card companies are doing to their customers is unfair and a rip off. There have to be a way to stop them from scamming people out of the little money they have remaining.

I received a "letter" from the corporate office stating they "reinstated my previous APR. After I received that letter, I believed I would not be charged the interest from the last bill. I did not include the finance charge in my payment (because the interest was zero which had been confirmed by the letter from corporate office) the payment I mailed in was $55 short of the statement. (Or it was really $106 more than what should have been the minimum due according to the financial agreement). Along with that, I was credited over $700 in financial charge reversal. Well, the next month, I was placed in a default status of $27.99. I have the statements, and the letters. Are there grounds for a lawsuit here? I would really love to sue them.

When I told the representative this, she told me that the letter went out in January. Then when I pressed her, she sad a letter was just issued. (This is March 20.) I have been a Chase customer for many years, and they hold my mortgage, my checking account, and two other credit cards, (one which was formerly opened with Wachovia many years ago and one which was opened with another bank that was acquired by Chase).

I have almost never been late in payment and have almost always paid more than the minimum. My personal financial situation is far better now than 6 and 12 months ago. My debt load has decreased by 50% while my income has held steady. My credit report has no major blemishes on it, aside from "high credit utilization" which is a result of Chase and Wells Fargo reducing my maximums several times over 2 years. (The Wells Fargo was paid off and closed.)

There clearly was no provocation for the Chase action aside from their desire to recoup the value of the points account and possibly to cash in on overdraft fees that may occur once my overdraft line is closed. (My checking account balance, in excess of $4000, makes an overdraft unlikely, but it could potentially have happened given my belief that overdrafts would be covered by the account and given my fairly high cash flow.)

After accruing over 8000 points over a handful of months, I was ready to enjoy some of the benefits of the card, only to learn they were not accessible, because Chase chose to close the account.

I think this is borderline fraudulent. A class action lawsuit is in order for those who have not been given a chance to utilize their points when the account, in good standing, is unexpectedly closed.

Meanwhile, Chase also decreased my credit line on one of the two other credit cards by 25%. This results in my credit report showing a high credit utilization on this account. This is visible to other credit providers and may damage my chances of obtaining a loan for my daughter's college and any new mortgage application. (I very much wish to refinance my mortgage to another provider now.)

The following month, I found out my check was returned due to an account number error. They charged me an additional $40 as well as a $15 late fee. They removed the last late fee and I paid the rest over the phone. In total, I paid about $100 in fees due to a payment that was 2 days late in January. Also, they closed my account with a balance still on it, which my credit does not need. I just received a bill for $1.50 interest despite the fact that my account is closed and I paid all the fees they wanted me to pay. This is ridiculous. Economic damage: $100 and hurt my credit score. I'm most upset about my credit being hurt from this transaction.